I'm curious how many people got confused after reading this sentence

But you are welcome to explain who owes whom exactly since IOU obviously stands for "I owe you", though I don't think that I for one owe you anything. In the same way, if someone is paying you with money which is an IOU, does it mean that he owes you anything? I don't think so. But then again, you are welcome to explain in simple terms how money is "basically an IOU". But please try making your explanation comprehensible, show us that you understand yourself what money actually means